BlastPoint's Credit Union Scorecard

TVA COMMUNITY CREDIT UNION

Charter #68559 · AL

100M-500M
1070 CUs in 100M-500M nationally 21 in AL

TVA COMMUNITY CREDIT UNION has 6 strengths but faces 3 concerns

National Analysis

How does the industry compare?
AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.26% above tier average
  • + Net Worth Ratio: Top 4.8% in tier
  • + Total Deposits: Top 7.0% in tier
  • + Total Assets: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Net Interest Margin (NIM): Bottom 5.2% in tier
  • - Loan-to-Share Ratio: Bottom 7.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 20,008
+0.7% YoY+0.3% QoQ
 +4.9K 15,145
-2.5% YoY
 28,055
-6.4% YoY
 33,913
+5.7% YoY
 77%
Assets $424.4M
+4.5% YoY+2.0% QoQ
 +$192.7M $231.7M
+0.8% YoY
 $451.2M
+7.2% YoY
 $578.3M
+9.0% YoY
 Top 7.5% in tier
Loans $163.7M
+9.9% YoY+0.8% QoQ
 +$19.6M $144.1M
+0.2% YoY
 $260.3M
+6.6% YoY
 $402.4M
+8.7% YoY
 66%
Deposits $371.0M
+2.4% YoY+2.5% QoQ
 +$169.8M $201.1M
+0.4% YoY
 $395.2M
+6.0% YoY
 $494.3M
+9.1% YoY
 Top 7.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.0%
+1.8% YoY-19.4% QoQ
 +0.3% 0.7%
+5.1% YoY
 0.6%
-14.6% YoY
 0.4%
-39.2% YoY
 70%
NIM 2.5%
-1.7% YoY-8.4% QoQ
 -1.1% 3.6%
+4.6% YoY
 3.7%
+0.6% YoY
 3.8%
+4.1% YoY
 Bottom 5.1% in tier
Efficiency Ratio 63.2%
-3.6% YoY+4.4% QoQ
 -14.8% 78.0%
-1.7% YoY
 80.4%
-0.1% YoY
 84.6%
+2.8% YoY
 Top 12.1% in tier
Delinquency Rate 0.3%
-25.9% YoY+2.9% QoQ
 -0.5 0.8%
+7.1% YoY
 1.6%
+17.5% YoY
 1.2%
+3.4% YoY
 21%
Loan To Share 44.1%
+7.3% YoY-1.7% QoQ
 -26.3% 70.4%
-0.4% YoY
 59.2%
-1.1% YoY
 65.6%
-1.4% YoY
 Bottom 7.0% in tier
AMR $26,724
+3.8% YoY+1.6% QoQ
 +$2K $24,918
+2.7% YoY
 $17,504
+3.5% YoY
 $19,920
+1.6% YoY
 70%
CD Concentration 28.5%
+4.3% YoY+3.5% QoQ
 +4.2% 24.3% 21.3% 19.8% 50%
Indirect Auto % 3.3%
-25.7% YoY-2.0% QoQ
 -10.5% 13.8% 5.1% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#287 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.74%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.99%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 3.35%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#342 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.74%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 3.35%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Overhang

risk
#24 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 18.28%
(Tier: 11.91%, National: 14.35%)
but better than tier avg
Loan-to-Share Ratio: 44.14%
(Tier: 72.31%, National: 65.58%)
worse than tier avg
126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally
↑ Growing +19 CUs YoY

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

52
Net Worth Ratio
risk
Value: 18.28%
Peer Median: 11.45%
#52 of 1070 Top 4.8% in 100M-500M tier
76
Total Deposits
balance_sheet
Value: $370.96M
Peer Median: $171.29M
#76 of 1070 Top 7.0% in 100M-500M tier
80
Total Assets
balance_sheet
Value: $424.43M
Peer Median: $196.57M
#80 of 1070 Top 7.4% in 100M-500M tier
130
Efficiency Ratio
profitability
Value: 63.20%
Peer Median: 78.68%
#130 of 1070 Top 12.1% in 100M-500M tier
184
Loan Growth Rate
growth
Value: 9.90%
Peer Median: 2.93%
#184 of 1070 Top 17.1% in 100M-500M tier
229
Total Delinquency Rate (60+ days)
risk
Value: 0.29%
Peer Median: 0.61%
#229 of 1070 Top 21.3% in 100M-500M tier
246
Total Members
engagement
Value: 20,008
Peer Median: 13,200
#246 of 1070 Top 22.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1015
Net Interest Margin (NIM)
profitability
Value: 2.55%
Peer Median: 3.62%
#1015 of 1070 Bottom 5.2% in 100M-500M tier
995
Loan-to-Share Ratio
balance_sheet
Value: 44.14%
Peer Median: 71.88%
#995 of 1070 Bottom 7.1% in 100M-500M tier
822
First Mortgage Concentration (%)
balance_sheet
Value: 42.76%
Peer Median: 29.47%
#822 of 1070 Bottom 23.3% in 100M-500M tier
806
Members Per Employee (MPE)
engagement
Value: 263.263
Peer Median: 309.176
#806 of 1070 Bottom 24.8% in 100M-500M tier
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